Health Savings Accounts (HSAs)

Health Savings Accounts (HSAs)

A health savings account is a smart way to use pre-tax* dollars for qualified medical expenses. And you own the account, not your employer, which means the money rolls over year-to-year.

So whether you need to pay for healthcare in the next six months, or the next sixty years, the money is yours to use, tax-free. Talk to an Astera representative about opening one that works together with your high deductible heath care plan.


  • Use pre-tax* dollars to fund qualified medical expenses
  • Must be covered under a high deductible healthcare plan
  • Cannot be claimed as a dependent or enrolled in Medicare
  • Earn competitive dividends on entire balance, compounded daily and paid monthly
  • No setup or annual fees
  • No monthly service fee
  • Money rolls over year-to-year automatically
  • No "use it or lose it" policy
  • HSA is owned by you, not your employer
  • Easy withdrawal access through multiple channels
  • Free online banking
  • Free mobile banking and text banking
  • Free eStatements available
  • No minimum opening deposit requirement

*Consult your tax advisor.